+91-22-48913909SIP Vs FD
Which is a Better Investment Option?
Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.
What is a Systematic Investment Plan or SIP?
Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.
People can start their SIP investment with the amount as low as INR 500.
What is a Fixed Deposit or FD?
Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD income earns interest on the investment. This interest income earned is taxable in the hands of investors.
Which One to Choose?
Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.
Minimum Investment
The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.
Tenure
FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.
Returns
The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.
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Risk Appetite
The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.
Liquidity
The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of debt funds, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.
Taxation
The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.
For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital Gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term capital gain which is charged at a flat rate of 15% irrespective of the individual’s tax slab.
Characteristics
SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.
1. Rupee Cost Averaging
In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.
2. Power of Compounding
SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.
3. Disciplined Savings Habit
SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.
The table given below summarizes the differences between SIP and Fixed Deposits.
| Parameters | SIP | Fixed Deposits |
|---|---|---|
| Returns | Varies as per the Fund’s performance | Predetermined |
| Minimum Investment | Starts from INR 500 | Ranges between INR 1,000 – 10,000 |
| Tenure | Generally used for long-term | Both Short and Long-term tenure |
| Risk | High | Low |
| Liquidity | High | Low |
| Taxation | Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed | Taxed as per individual’s slab rates |
| Features | Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit | Power of Compounding |
Fund Selection Methodology used to find 5 funds
Best SIP to Invest for FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Aditya Birla Sun Life Small Cap Fund Growth ₹97.8506
↑ 1.06 ₹6,120 1,000 -1.5 6.2 11.9 13.4 11.3 -3.7 DSP Natural Resources and New Energy Fund Growth ₹107.907
↑ 0.12 ₹2,528 500 -0.5 -2.8 11.9 18.9 14.4 17.5 Invesco India Growth Opportunities Fund Growth ₹112.96
↑ 0.42 ₹12,178 100 1.6 10.2 10 21.4 15.7 4.7 Motilal Oswal Multicap 35 Fund Growth ₹64.0472
↑ 0.26 ₹13,446 500 0.7 11.1 4 16.7 12.3 -5.6 SBI Small Cap Fund Growth ₹178.881
↑ 0.99 ₹41,059 500 -2.6 4.7 4 10.3 10.9 -4.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Nov 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Small Cap Fund DSP Natural Resources and New Energy Fund Invesco India Growth Opportunities Fund Motilal Oswal Multicap 35 Fund SBI Small Cap Fund Point 1 Bottom quartile AUM (₹6,120 Cr). Bottom quartile AUM (₹2,528 Cr). Lower mid AUM (₹12,178 Cr). Upper mid AUM (₹13,446 Cr). Highest AUM (₹41,059 Cr). Point 2 Oldest track record among peers (19 yrs). Established history (18+ yrs). Established history (19+ yrs). Established history (12+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 11.32% (bottom quartile). 5Y return: 14.41% (upper mid). 5Y return: 15.73% (top quartile). 5Y return: 12.27% (lower mid). 5Y return: 10.86% (bottom quartile). Point 6 3Y return: 13.41% (bottom quartile). 3Y return: 18.87% (upper mid). 3Y return: 21.44% (top quartile). 3Y return: 16.73% (lower mid). 3Y return: 10.26% (bottom quartile). Point 7 1Y return: 11.95% (top quartile). 1Y return: 11.90% (upper mid). 1Y return: 9.97% (lower mid). 1Y return: 4.03% (bottom quartile). 1Y return: 4.01% (bottom quartile). Point 8 Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 7.80 (top quartile). Alpha: 4.27 (upper mid). Alpha: 1.23 (lower mid). Point 9 Sharpe: 0.62 (top quartile). Sharpe: 0.50 (upper mid). Sharpe: 0.14 (bottom quartile). Sharpe: -0.06 (bottom quartile). Sharpe: 0.14 (lower mid). Point 10 Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 1.34 (top quartile). Information ratio: 0.75 (upper mid). Information ratio: -0.29 (bottom quartile). Aditya Birla Sun Life Small Cap Fund
DSP Natural Resources and New Energy Fund
Invesco India Growth Opportunities Fund
Motilal Oswal Multicap 35 Fund
SBI Small Cap Fund
(Erstwhile Aditya Birla Sun Life Small & Midcap Fund) An Open ended Small and Mid Cap Equity Scheme with an objective to generate consistent long-term capital appreciation by investing predominantly in equity and equity related securities of companies considered to be small and midcap. The Scheme may also invest a certain portion of its corpus in fixed income securities including money market instruments, in order to meet liquidity requirements from time to time. Below is the key information for Aditya Birla Sun Life Small Cap Fund Returns up to 1 year are on To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes. Research Highlights for DSP Natural Resources and New Energy Fund Below is the key information for DSP Natural Resources and New Energy Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Research Highlights for Invesco India Growth Opportunities Fund Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Research Highlights for Motilal Oswal Multicap 35 Fund Below is the key information for Motilal Oswal Multicap 35 Fund Returns up to 1 year are on (Erstwhile SBI Small & Midcap Fund) The Scheme seeks to generate income and long term capital appreciation by
investing in a diversified portfolio of predominantly in equity and equity related securities of small & midcap Companies Research Highlights for SBI Small Cap Fund Below is the key information for SBI Small Cap Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Small Cap Fund
Aditya Birla Sun Life Small Cap Fund
Growth Launch Date 31 May 07 NAV (09 Nov 26) ₹97.8506 ↑ 1.06 (1.10 %) Net Assets (Cr) ₹6,120 on 30 Sep 26 Category Equity - Small Cap AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 0.62 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹9,562 31 Oct 23 ₹11,768 31 Oct 24 ₹16,213 31 Oct 25 ₹15,889 31 Oct 26 ₹16,979 Returns for Aditya Birla Sun Life Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Nov 26 Duration Returns 1 Month 0.7% 3 Month -1.5% 6 Month 6.2% 1 Year 11.9% 3 Year 13.4% 5 Year 11.3% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 21.5% 2023 39.4% 2022 -6.5% 2021 51.4% 2020 19.8% 2019 -11.5% 2018 -22.6% 2017 56.7% 2016 9.7% Fund Manager information for Aditya Birla Sun Life Small Cap Fund
Name Since Tenure Abhinav Khandelwal 31 Oct 24 1.92 Yr. Dhaval Joshi 21 Nov 22 3.86 Yr. Data below for Aditya Birla Sun Life Small Cap Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Consumer Cyclical 19.84% Financial Services 16.48% Health Care 15.79% Industrials 15.3% Basic Materials 12.69% Consumer Defensive 7.95% Technology 3.69% Real Estate 1.47% Communication Services 1.24% Utility 0.91% Asset Allocation
Asset Class Value Cash 4.64% Equity 95.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity TD Power Systems Ltd (Industrials)
Equity, Since 30 Jun 23 | TDPOWERSYS3% ₹207 Cr 2,638,838 Sai Life Sciences Ltd (Healthcare)
Equity, Since 30 Jun 25 | SAILIFE3% ₹193 Cr 1,263,192 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 20 | NAVINFLUOR3% ₹174 Cr 210,525 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Dec 24 | MCX3% ₹165 Cr 498,500
↑ 117,500 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 25 | UJJIVANSFB2% ₹148 Cr 21,907,129 Meesho Ltd (Consumer Cyclical)
Equity, Since 31 Dec 25 | MEESHO2% ₹143 Cr 6,296,313 Shaily Engineering Plastics Ltd (Basic Materials)
Equity, Since 31 Oct 25 | 5014232% ₹141 Cr 461,745
↑ 44,781 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 May 20 | RADICO2% ₹132 Cr 302,373 RBL Bank Ltd (Financial Services)
Equity, Since 30 Nov 25 | RBLBANK2% ₹127 Cr 3,147,305 Arvind Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5001012% ₹126 Cr 2,331,695 2. DSP Natural Resources and New Energy Fund
DSP Natural Resources and New Energy Fund
Growth Launch Date 25 Apr 08 NAV (09 Nov 26) ₹107.907 ↑ 0.12 (0.11 %) Net Assets (Cr) ₹2,528 on 30 Sep 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 0.5 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹9,657 31 Oct 23 ₹11,508 31 Oct 24 ₹16,626 31 Oct 25 ₹17,869 31 Oct 26 ₹18,639 Returns for DSP Natural Resources and New Energy Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Nov 26 Duration Returns 1 Month 6% 3 Month -0.5% 6 Month -2.8% 1 Year 11.9% 3 Year 18.9% 5 Year 14.4% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 17.5% 2024 13.9% 2023 31.2% 2022 9.8% 2021 42.8% 2020 11.5% 2019 4.4% 2018 -15.3% 2017 43.1% 2016 43.1% Fund Manager information for DSP Natural Resources and New Energy Fund
Name Since Tenure Rohit Singhania 1 Jul 12 14.26 Yr. Data below for DSP Natural Resources and New Energy Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Energy 53.06% Basic Materials 32.02% Utility 6.67% Industrials 1.44% Technology 0.83% Consumer Cyclical 0.03% Asset Allocation
Asset Class Value Cash 5.95% Equity 94.05% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Energy I2
Investment Fund | -10% ₹250 Cr 602,478 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Aug 16 | TATASTEEL8% ₹213 Cr 11,535,153
↑ 3,024,223 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 08 | 5005478% ₹191 Cr 6,286,211 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 08 | RELIANCE7% ₹184 Cr 1,554,012 Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 20 | 5322867% ₹172 Cr 1,511,761 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003126% ₹163 Cr 7,198,742
↑ 1,071,092 Hindustan Zinc Ltd (Basic Materials)
Equity, Since 31 Mar 09 | 5001886% ₹159 Cr 2,814,576
↑ 161,351 Indian Oil Corp Ltd (Energy)
Equity, Since 31 May 25 | IOC6% ₹142 Cr 10,557,999 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 13 | HINDPETRO5% ₹128 Cr 3,649,839 Hindalco Industries Ltd (Basic Materials)
Equity, Since 31 Oct 15 | HINDALCO4% ₹102 Cr 1,078,917 3. Invesco India Growth Opportunities Fund
Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (09 Nov 26) ₹112.96 ↑ 0.42 (0.37 %) Net Assets (Cr) ₹12,178 on 30 Sep 26 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.71 Sharpe Ratio 0.14 Information Ratio 1.34 Alpha Ratio 7.8 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,075 31 Oct 23 ₹11,369 31 Oct 24 ₹17,346 31 Oct 25 ₹19,412 31 Oct 26 ₹19,629 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Nov 26 Duration Returns 1 Month 8.1% 3 Month 1.6% 6 Month 10.2% 1 Year 10% 3 Year 21.4% 5 Year 15.7% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.7% 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 2.9 Yr. Deepak Gupta 1 Oct 26 0 Yr. Data below for Invesco India Growth Opportunities Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Financial Services 23.25% Health Care 22.26% Industrials 21.32% Consumer Cyclical 18.5% Real Estate 7.73% Basic Materials 2.2% Communication Services 1.78% Energy 1.14% Utility 1.11% Technology 0.38% Asset Allocation
Asset Class Value Cash 0.33% Equity 99.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO8% ₹1,007 Cr 2,020,800
↑ 226,877 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | ETERNAL8% ₹997 Cr 31,143,612 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK7% ₹873 Cr 6,607,588
↑ 218,351 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH7% ₹813 Cr 8,739,598
↑ 842,682 Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE5% ₹653 Cr 4,283,799 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE5% ₹592 Cr 3,992,656
↑ 229,619 ABB India Ltd (Industrials)
Equity, Since 30 Jun 23 | ABB4% ₹509 Cr 751,266 Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002513% ₹413 Cr 1,577,268 Aditya Infotech Ltd (Industrials)
Equity, Since 31 Aug 25 | CPPLUS3% ₹395 Cr 1,028,145 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | FEDERALBNK3% ₹349 Cr 10,987,013 4. Motilal Oswal Multicap 35 Fund
Motilal Oswal Multicap 35 Fund
Growth Launch Date 28 Apr 14 NAV (09 Nov 26) ₹64.0472 ↑ 0.26 (0.41 %) Net Assets (Cr) ₹13,446 on 30 Sep 26 Category Equity - Multi Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.77 Sharpe Ratio -0.06 Information Ratio 0.75 Alpha Ratio 4.27 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹9,926 31 Oct 23 ₹11,106 31 Oct 24 ₹16,997 31 Oct 25 ₹17,899 31 Oct 26 ₹17,237 Returns for Motilal Oswal Multicap 35 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Nov 26 Duration Returns 1 Month 3.6% 3 Month 0.7% 6 Month 11.1% 1 Year 4% 3 Year 16.7% 5 Year 12.3% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2025 -5.6% 2024 45.7% 2023 31% 2022 -3% 2021 15.3% 2020 10.3% 2019 7.9% 2018 -7.8% 2017 43.1% 2016 8.5% Fund Manager information for Motilal Oswal Multicap 35 Fund
Name Since Tenure Varun Sharma 21 Jan 26 0.69 Yr. Swapnil Mayekar 18 Nov 25 0.87 Yr. Ajay Khandelwal 1 Oct 24 2 Yr. Ankit Agarwal 21 Jan 26 0.69 Yr. Rakesh Shetty 22 Nov 22 3.86 Yr. Data below for Motilal Oswal Multicap 35 Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Consumer Cyclical 25.39% Industrials 24.61% Financial Services 21.63% Technology 18.06% Health Care 4.4% Basic Materials 2.65% Asset Allocation
Asset Class Value Cash 3.25% Equity 96.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL8% ₹1,106 Cr 20,000,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 25 | ETERNAL7% ₹880 Cr 27,500,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Jan 25 | 5000936% ₹760 Cr 8,900,000 Sterlite Technologies Ltd (Technology)
Equity, Since 31 May 26 | STLTECH4% ₹596 Cr 6,550,764 Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE4% ₹586 Cr 3,350,000 Diamond Power Infrastructure Ltd (Industrials)
Equity, Since 31 Jul 26 | DIACABS4% ₹534 Cr 15,088,916 Aditya Infotech Ltd (Industrials)
Equity, Since 30 Apr 26 | CPPLUS4% ₹519 Cr 1,350,000 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Mar 26 | SHRIRAMFIN4% ₹513 Cr 5,220,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 26 | MCX4% ₹507 Cr 1,537,361 Ather Energy Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | ATHERENERG3% ₹430 Cr 3,017,383
↓ -882,617 5. SBI Small Cap Fund
SBI Small Cap Fund
Growth Launch Date 9 Sep 09 NAV (09 Nov 26) ₹178.881 ↑ 0.99 (0.55 %) Net Assets (Cr) ₹41,059 on 30 Sep 26 Category Equity - Small Cap AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.57 Sharpe Ratio 0.14 Information Ratio -0.29 Alpha Ratio 1.23 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹11,113 31 Oct 23 ₹12,711 31 Oct 24 ₹17,469 31 Oct 25 ₹16,907 31 Oct 26 ₹16,608 Returns for SBI Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Nov 26 Duration Returns 1 Month 1.1% 3 Month -2.6% 6 Month 4.7% 1 Year 4% 3 Year 10.3% 5 Year 10.9% 10 Year 15 Year Since launch 18.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 -4.9% 2024 24.1% 2023 25.3% 2022 8.1% 2021 47.6% 2020 33.6% 2019 6.1% 2018 -19.6% 2017 78.7% 2016 1.3% Fund Manager information for SBI Small Cap Fund
Name Since Tenure R. Srinivasan 16 Nov 13 12.88 Yr. Data below for SBI Small Cap Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Consumer Cyclical 26.22% Industrials 21.49% Basic Materials 11.63% Financial Services 11.05% Technology 6.2% Consumer Defensive 3.63% Health Care 2% Utility 1.95% Real Estate 0.83% Communication Services 0.42% Asset Allocation
Asset Class Value Cash 10.64% Equity 89.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nifty Index 27-10-2026
- | -4% ₹1,624 Cr 715,000
↑ 715,000 Ather Energy Ltd (Consumer Cyclical)
Equity, Since 30 Apr 25 | ATHERENERG4% ₹1,443 Cr 10,127,789
↓ -1,572,211 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Mar 20 | NAVINFLUOR3% ₹1,345 Cr 1,631,795 City Union Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | CUB3% ₹1,185 Cr 52,419,485 Sundaram Fasteners Ltd (Consumer Cyclical)
Equity, Since 28 Feb 25 | 5004033% ₹1,139 Cr 10,000,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 May 20 | KPIL3% ₹1,091 Cr 7,900,000 Pine Labs Ltd (Technology)
Equity, Since 30 Nov 25 | PINELABS3% ₹1,076 Cr 62,607,250 Belrise Industries Ltd (Consumer Cyclical)
Equity, Since 31 Dec 25 | BELRISE3% ₹1,047 Cr 43,542,092 Honeywell Automation India Ltd (Industrials)
Equity, Since 31 Dec 25 | HONAUT2% ₹998 Cr 298,145 ZF Commercial Vehicle Control Systems India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | ZFCVINDIA2% ₹983 Cr 4,200,000
SIP Return Calculator
The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.
FD Calculator
The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.
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Conclusion: SIP or FD
To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for Aditya Birla Sun Life Small Cap Fund